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Joe Spisak at Waterstone Mortgage NMLS #19739...
Branch Manager
With 27+ years in the mortgage industry, Joe Spisak is a nationally recognized mortgage professional dedicated to helping clients secure the best loan options with great pricing and a seamless experience. His team prioritizes client care, t... Show More
Location & Business Hours
Business Hours
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
Joe & Kayla are the best! They provided us with detail option plans for buying our home. They had our best interest in mind & were very patient with us. ❤️
Reply from Owner
November 1st, 2023 12:00 AM
Thank you for taking the time to write this review, Diana! Providing excellent customer service, throughout the process, is always our top priority. We're glad you received nothing but the best from Joe and his team.
Spisak Team, thank you for all you did, after years of attempting to buy a home, this year was the year! Truly appreciated all the dedication. Me and my son are happy to be in our first home <3
Reply from Owner
January 8th, 2026 10:55 AM
Thank you for your review, Maria! The team and I were thrilled we were able to provide you with a positive homebuying experience. We look forward to working with you again when the time to refinance or buy a new home is right. Keep in touch....
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Joe and Kayla, thank you for all your work and time you spent making my dream come true. I have been trying for years now, and this was my year. My son and I feel truly blessed and excited for this new venture.
Reply from Owner
October 24th, 2023 12:00 AM
Maria-Thank you for the kind review and for providing our team the ability to help you and your son. We enjoyed being of service to you. Know that we'll be in touch. Feel free to reach out anytime you have questions or needs.
Joe and Kayla were very helpful, they answered any questions and concerns I had.
Reply from Owner
January 8th, 2026 10:55 AM
Thank you for your review, Alex! The team and I were thrilled we were able to provide you with a positive experience. We look forward to working with you again when the time to refinance or buy a new home is right. Keep in touch.
Joseph assisted us with our first home purchase. Being out of state we communicated via phone and email. Joseph kept us in the loop and explained each step along the way. We look forward to working with him again when the opportunity to refinance...
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Reply from Owner
October 6th, 2023 12:00 AM
Thank you for sharing your wonderful experience with us, Mary! It sounds like Joseph was there with you every step of the way, to help you achieve your dream of homeownership. Your experience truly shows the dedication Joseph has to his customers....
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So great family focused and personal attention. Awesome follow through and guidance with the entire process.
Could not have envisioned better service.
Reply from Owner
January 8th, 2026 10:55 AM
Thank you for your kind review, William! Treating my borrowers with the highest level of respect is my number one goal. It was my pleasure to serve you.
Joe's team went above and beyond what I had expected. The team went out if there way to take of everything. Answered any questions I had and asked ones I didn't think about. Very Professional. Explained how raise my credit score to get better...
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Reply from Owner
September 26th, 2023 12:00 AM
Thank you for taking the time to write this review, Bullshooters! Providing excellent customer service, throughout the process, is always our top priority. We're glad you received nothing but the best from Joe and his team.
Joe and his team were on the ball every step of the way. No time spent waiting to hear back from them and complete transparency throughout the process. I highly suggest using Joe and his team, as I definitely will be myself.
Reply from Owner
January 8th, 2026 10:55 AM
Thank you for your review, Nick! The team and I were thrilled we were able to provide you with a positive experience. We look forward to working with you again when the time to refinance or buy a new home is right. Keep in touch.
Joe Spisak at Waterstone Mortgage NMLS #197397 has received a review with 5 star rating from Peter D
Reply from Owner
January 8th, 2026 10:55 AM
Thank you for the 5-star rating, Peter. Don't be a stranger.
The staff at WaterStone Mortgage are amazing! They take care of every detail and will walk you through the entire process. Kayla goes above and beyond what is expected. I have used this company twice over the last three years to purchase two...
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Reply from Owner
January 8th, 2026 10:55 AM
Thank you for your review, Kandee! The team and I were thrilled we were able to provide you with a positive homebuying experience. We look forward to working with you again when the time to refinance or buy a new home is right. Keep in touch....
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About
With 27+ years in the mortgage industry, Joe Spisak is a nationally recognized mortgage professional dedicated to helping clients secure the best loan options with great pricing and a seamless experience. His team prioritizes client care, transparent communication, and proactive problem-solving to make the process smooth. As an expert in a wide range of loan products, Joe ensures each homebuyer finds the perfect mortgage for their needs. Backed by Waterstone Mortgage’s cutting-edge technology, Joe and his team provide exceptional service every step of the way.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Home Renovation Loan
Mortgage Refinance
Specialities
Purchase mortgage loans & house hacking
Refinancing
VA home loans
Conventional home loans
multi unit home loans
condo home loans
Investor loans and property acquisitions
cash-out refinancing
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Memberships
- NMLS
Year Started
2000
Time Zone
Central Standard Time (CST)
Licenses
- NMLS #197397
Awards
Hobbies
- Fishing
- Faith
- Hockey
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Disclaimer
State of Iowa Licensee Exempt.Massachusetts Mortgage Lender License #MC186434.Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Branch License #41DBO-91094.Illinois Residential Mortgage Licensee #MB. 6760383-009.Massachusetts Mortgage Broker License #MC186434.Arizona Mortgage Banker Branch License #1005269.State of Kentucky Licensee Exempt. Waterstone Mortgage Corporation (NMLS #186434) is headquartered in Brookfield, Wisconsin, and is a wholly owned subsidiary of WaterStone Bank SSB (NASDAQ: WSBF). Equal Housing Lender. All loan requests are subject to credit approval and program guidelines. Information published on this site should not be construed as legal advice or credit counseling. Waterstone Mortgage Corporation is not a licensed real estate broker. Any advertisement on this page is an advertisement for real estate financing only and should not be construed as an advertisement for the sale of real estate. Disclosures & Licenses: https://www.waterstonemortgage.com/policies/disclosures-licenses General Disclaimer: https://www.waterstonemortgage.com/policies/terms-conditions